Debt Snowball vs. Avalanche Repayment Planner
See exactly how much faster and cheaper avalanche really is.
Your debts
Balances, interest rates, and minimums.
On top of minimums — this is what gets thrown at your target debt each month.
Snowball
Smallest balance first
Debt-free in
33 months
Total interest paid
$3,144.87
Payoff order
Personal loan → Credit card → Car loan
Avalanche
Highest interest rate first
Debt-free in
33 months
Total interest paid
$2,907.33
Payoff order
Credit card → Personal loan → Car loan
Which saves more?
Avalanche saves you $237.54 in interest compared to snowball. Snowball can still be worth it if the psychological win of clearing small balances first keeps you motivated to stick with the plan.
About this tool
Enter your debts with their balances, interest rates, and minimum payments, and instantly get side-by-side payoff timelines for the snowball (smallest balance first) and avalanche (highest interest first) strategies — including total interest paid and months to debt-free for each.
How to use Debt Snowball vs. Avalanche Repayment Planner
- 1
Add each debt with its current balance, interest rate (APR), and minimum monthly payment.
- 2
Enter how much extra you can put toward debt each month, beyond the minimums.
- 3
Compare the snowball and avalanche timelines side by side — months to payoff and total interest for each.
- 4
Copy the full comparison, including payoff order, to reference as you go.
Frequently asked questions
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